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Auto loans

One loan. One rate. No fine print.

New, used, or refinancing what you already drive, we write the terms in plain language and decide locally.

Start An Application

What we finance

Four ways to get financed.

New

New Vehicle

Financing through your dealer for a current-model car, truck, or SUV. Longer terms available to keep the payment manageable.

Used

Used Vehicle

Dealer or lot purchases. We look at the vehicle’s age and mileage alongside your application.

Refinance

Refinance

Keep the car, change the payment. Move your existing loan to us and we’ll look at shortening the term or lowering the rate.

Private party

Private party

Buying from a neighbor or a listing instead of a dealer. We handle the title work.

How we work

Three Steps, Start to Signed.

Apply

Fill out the form or call us. It only takes a few minutes, and there’s no fee to apply.

Get a Decision

A person here reviews your application and follows up with what we can offer.

Sign and Drive

Review the terms in writing, sign, and we send funds to the dealer or seller.

What You'll Need

  • Valid driver's license
  • Proof of income (recent pay stubs or two years of returns)
  • Proof of insurance
  • Vehicle details: year, make, model, mileage, VIN
  • Down payment amount, if you're putting money down
  • For a refinance: your current lender and payoff amount

Get started

Not sure which loan fits? Ask us.

We’ll walk through the numbers with you before you apply. No obligation.

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  • PO Box 354, Guntersville, AL 35976
  • Call Us
  • Mon–Fri 8 AM–5 PM | Closed Sat–Sun

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